Owensboro Credit Union Madisonville KY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Owensboro Federal Credit Union, your trusted financial partner since 1953. Nestled in the heart of Madisonville, KY, at 1412 Chelsa Dr, we pride ourselves on providing exceptional service and a wide array of financial products tailored to meet your needs. With over 6,244 members and a total asset base of $80,947,634, our commitment to community and member satisfaction is at the forefront of everything we do. At Owensboro Federal Credit Union, we believe in empowering our members to achieve their financial goals. Our dedicated team, led by CEO Doris Berry and Board President James Cook, is here to support you with services ranging from personal banking and auto loans to business banking solutions. With a robust lending portfolio of 2,737 loans and total deposits reaching $11,939,767, you can trust that your finances are in capable hands. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to our mailing address: 1412 Chelsa Drive, Madisonville, KY 42431. We are open Monday through Friday from 8:00 am to 5:00 pm, ready to assist you with whatever you need. Join us as we continue to build a strong community together. Whether you're looking for a new loan or simply want to explore your financial options, don't hesitate to reach out! You can contact us at (270) 821-0040 or visit our website at www.ofcuonline.com for more information. Your journey towards financial wellness starts here!

Branch History & Mission

Community Commitment

At Owensboro Federal Credit Union, we are more than just a financial institution; we are a part of the fabric of Madisonville. Our commitment extends beyond banking we actively engage in community outreach efforts and partnerships aimed at uplifting those around us. Our team is dedicated to supporting local events and initiatives that enhance the lives of our neighbors. While members can visit us at 1412 Chelsa Dr for any banking needs or inquiries, official correspondence should be sent to 1412 Chelsa Drive, Madisonville, KY 42431 if it differs from our branch address.

Join Us

As we look toward the future, we invite you to join our growing family. Experience firsthand the benefits of being a member at Owensboro Federal Credit Union. Whether you're looking for reliable banking services or ways to contribute positively to your community, you will find a home here with us. For more information about how you can become part of our mission-driven organization or to explore our range of services further, please give us a call at 270-821-0040 or visit us online at www.ofcuonline.com. Together, let's build a brighter financial future!

Our Mission

Our mission is clear: to provide exceptional financial services while fostering community growth and well-being. We understand that each member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs, including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We believe in making banking accessible for everyone. With features like online banking and mobile applications, managing your finances is easier than ever. We also offer ATM services and drive-thru banking for your convenience ensuring that whether you prefer face-to-face interactions or digital transactions, we are here for you.

Branch Location & Accessibility

Accessibility Features

At Owensboro Federal Credit Union, we prioritize accessibility for all our members. Our branch complies with ADA standards, ensuring that everyone can enjoy our services comfortably. You'll find ramps and ample parking available right outside, making it convenient for those who may need assistance.

Location Highlights

Nestled in the heart of Madisonville, our branch is near local landmarks that make it easy for you to find us. We're just a stone's throw away from the vibrant downtown area, where you'll find shops and eateries that are perfect for a quick visit before or after you stop by.

Operating Hours

We're open Monday through Friday from 8:00 AM to 5:00 PM, ready to assist you with everything from personal banking to auto loans and more. If you're looking for convenient drive-thru banking options, we have that too! You can handle deposits and withdrawals without ever leaving your car.

Services Offered

Our team is dedicated to providing a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we have something for everyone. Plus, with ATM access available, you can easily withdraw cash or check balances anytime! If you need assistance or have any questions, don't hesitate to give us a call at 270-821-0040. We're excited to help you on your financial journey! Visit us today at Owensboro Federal Credit Union your trusted partner in Madisonville.

Member Eligibility

Becoming a member of Owensboro is like joining a family that truly cares about your financial well-being. If you're in the area, you may be eligible to join us! Membership is open to individuals who live, work, or worship in our community, as well as their immediate family members. This means that whether you're just starting out, planning for your future, or looking to secure a loan, we have something valuable for you. Joining Owensboro, located at 1412 Chelsa Dr Madisonville Ky 42431, gives you access to a range of personalized services designed to help you achieve your financial goals. Opening an account is straightforward and welcoming simply visit us online at http://www.ofcuonline.com/loans/apply-for-a-loan or give us a call at (270) 821-0040 for more information. We encourage you to check out the detailed eligibility criteria at , so you can see how easy it is to become part of our supportive community. We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner to handle your payment processing, so you can focus on what you do best running your business. Our merchant services simplify transactions and improve customer experiences, allowing you to accept payments seamlessly whether in-store or online. Located at 1412 Chelsa Dr Madisonville Ky 42431, Madisonville, KY, we invite you to explore how our business banking solutions can make a difference for your company. Reach out today at (270) 821-0040 to discuss how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For local business owners, Owensboro offers a range of Business Banking solutions. Our Merchant Services simplify payment processing so you can focus on what matters most growing your business. Need funding? Our Business Loans are designed to support various needs from expansion to equipment purchases.

Digital Banking Features

In today's busy world, convenience is key. That's why we provide Online & Mobile Banking services that let you manage your accounts anytime, anywhere. Whether you're checking balances or making transfers, our secure platform is just a few clicks away. And if cash is what you need, our ATM & Cash Withdrawal Services ensure that you have access to your money when it matters most.

Easy Access with Drive-Thru and ATMs

We also offer Basic Drive-Thru Banking for quick transactions like deposits and withdrawals without leaving your car. And for those who prefer cash access on-the-go, our Basic ATM Access allows for convenient withdrawals and balance checks. We invite you to explore all that Owensboro has to offer. Our dedicated team is ready to assist you with any questions or concerns you might have about our services or how we can meet your financial needs. For more information or to get started today, feel free to call us at (270) 821-0040 or visit us online at Owensboro Federal Credit Union. We're excited to partner with you on this financial journey!

Personal Banking Solutions

Our personal banking options are designed with your everyday needs in mind. With our Checking & Savings Accounts, you can easily manage your funds while earning interest on your savings. If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing offer competitive rates and flexible terms to help you hit the road in no time. For those considering homeownership, we provide Mortgage Loans & Refinancing options tailored just for you. But what if life throws a curveball? That's where our Personal Loans & Debt Consolidation services come into play. We understand that unexpected expenses can arise, and having access to extra funds can be a lifesaver. Plus, our Credit Cards with Rewards allow you to earn perks on purchases you already make.

Digital & Online Banking

Conclusion

Embrace the ease of digital banking with Owensboro. From person-to-person transfers (currently not available) to real-time account management, we've got everything you need to keep your finances organized. Visit us today at https://www.ofcuonline.com/ and discover how our online services can work for you!

Key Features

Our online banking service offers you 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, managing your money has never been easier. Plus, with e-statements available, you can keep track of your financial activities without the clutter of paper statements. For those who prefer using their mobile devices, our mobile application is available for download, giving you access to all these features right in your pocket. You can even set up mobile payments for quick transactions making everyday purchases a breeze!

Security and Support

Security is a top priority at Owensboro. While we do not currently offer electronic signature authorization for transactions, our online systems are designed with robust security measures to protect your personal information. Rest assured that your data is safe with us. If you ever need assistance, our friendly staff is just a phone call away at (270) 821-0040 during business hours. We're here to help make your banking experience smooth and enjoyable.

Financial Strength

Commitment to Growth

With $8,195,283 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity is highlighted by $825 in used auto loans and $38,775,247 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 16 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member Trust

Total Share Accounts stand at 11,377, showing a strong and growing member base that trusts us with their finances. This trust fuels our commitment to providing you with exceptional service and support. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Owensboro is your trusted partner. Visit us at 1412 Chelsa Dr Madisonville Ky 42431 or call (270) 821-0040 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $9,255,546 in share certificates and $7,657,819 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Foundation

With a net worth of $10,699,435, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,321 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $13,602,368 in used vehicle loans and $5,513,966 in new vehicle loans already helping members get on the road. We make it easy to drive away with the vehicle you want at terms that fit your budget.

Credit Lines and Unsecured Credit Cards

To further assist our members in managing their finances effectively, we offer flexible terms on unsecured credit card loans, with a total of $252,789 in loans. Additionally, our credit lines provide up to $2,100,000, giving you access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $763,302, make buying or refinancing simple. We provide competitive rates and flexible terms to help you secure your dream home.

Refinancing Options

If you're considering refinancing any existing loans, our team can guide you through the process and help determine your eligibility. We aim to simplify refinancing so you can take advantage of lower rates or better terms. Our branch is conveniently located at 1412 Chelsa Dr Madisonville Ky 42431 in Madisonville, KY. If you have any questions or need assistance with loan applications, feel free to call us at (270) 821-0040 during our operating hours from Monday through Friday, 8:00 AM to 5:00 PM. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Owensboro, we're dedicated to providing personalized service and support throughout your borrowing journey. Visit us today to learn more about how we can help you achieve your financial aspirations!

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OWENSBORO FEDERAL CREDIT UNION - Madisonville, KY